everyday transaction account.

 

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Here’s everything you need to know about ME's handy Everyday Transaction Account.


If you’ve read this factsheet end to end and still can’t get enough of that sweet, sweet account information, you can get more of what you’re after in the FAQ or get in touch on 13 15 63.


Our phone lines are open Monday to Friday 8am – 8pm, and Saturday 9am – 5pm (AEST).

 

 

 

main features.

 

Access

Free access at more than 3,000 ME Bank, Westpac, St.George, Bank of Melbourne and BankSA ATMs across Australia ^
Free EFTPOS transactions
Unlimited BPAY® and PayAnyone transactions
Unlimited direct debits and credits
Tap & go™ for purchases under $100 
Free Bank@PostTM transactions (cash withdrawal, cash or cheque deposit, balance enquiry) 

 

Security

MasterCard Zero Liability® for protection against fraud and unauthorised transactions.# Every time you press 'credit' when making a purchase with your Debit MasterCard, your purchases are protected.#


Benefit Programs

Benefit from MasterCard's Promotions and Exclusive Programs


buck Debit MasterCard

Choose the card colour that suits you best – Avocado Green, Pineapple Yellow, Lobster Red or Shark Blue-Grey.

 

interest rates.

 

This account doesn’t earn any interest. For interest-earning accounts see our  Online Savings Account or Term Deposit options.

 

 

 

fees.

 

Account-Keeping Fees

Monthly account-keeping fee

Monthly Debit MasterCard fee 

 

No fee

No fee 

 

Transaction Fees 

EFTPOS (purchase and/or cash out)

 

No fee 

 

ATM cash withdrawals and balance enquiries at ME Bank, Westpac, Bank of Melbourne, St.George or BankSA ATMs

Withdrawals and balance enquiries at all other Australian ATMs may incur an ATM operator fee charged by the ATM operator

Open your Everyday Transaction Account from 31 July 2015 and receive a refund on fees incurred at all other ATMs in Australia within 30 days of the transaction.

 

 

No fee

 

International ATM balance enquiries (Withdrawals and enquiries at international ATMs may also incur an ATM operator fee charged by the ATM operator)

 

 

 

No fee

International ATM withdrawals (Withdrawals and enquiries at international ATMs may also incur an ATM operator fee charged by the ATM operator)

 

 

$4 per withdrawal1
Withdrawals and enquiries at international ATMs may also incur an ATM operator fee charged by the ATM operator

 

Foreign currency conversion fee for cash withdrawals and purchases (Withdrawals and enquiries at international ATMs may also incur an ATM operator fee charged by the ATM operator)

 

   2.50% of AUD value2

Bank@Post™ (cash withdrawal, cash or cheque deposit, balance enquiry)

   Free

 

cheques 

Cheque book (50 leaves)

  $102
Cheque written   No fee
Cheque book dishonour fee (When you write a cheque but don’t have enough cleared funds)    $102
Purchase of a bank cheque   $81
Repurchase of a bank cheque (When you return a bank cheque you’ve purchased to credit funds back into your ME Bank account)   $81
Replacement of a bank cheque that may have been lost or stolen   $81
Stop payment on a personal cheque   $152
Special answer (When you ask us to process a cheque sooner than the standard timeframes)   $152

 

debit MasterCard 

Request to change colour of card   $102
Emergency replacement card within Australia   $202
Emergency replacement card outside Australia   $1002

 

other fees

Emergency cash (When you ask us to organise a special cash pick-up because you’ve lost your card)   $252
Duplicate or interim statement   $5 per statement2
Telegraphic transfer (domestic only)   $302

Trace fee (When you ask ME Bank to investigate a transaction that has been posted to your account. We’ll waive the fee if the trace shows that the transaction was incorrectly posted to your account)

  $152
Voucher retrieval (When you ask ME Bank to produce a voucher or other documents in relation to the conduct of your account [e.g. a copy of a cheque])   $5 per document or $60 per hour, whichever is less2
Direct entry dishonour fee (When any outgoing direct entry payment from your ME Bank account is dishonoured due to a lack of cleared funds in your account)   $102
Overdrawn account fee (If your account is overdrawn at any time)   $152

 

 

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the legal stuff 

Charged last day of the month and upon account closure

2 Charged to your account immediately

 

# MasterCard Zero Liability protection is subject to meeting MasterCard's conditions. For full details of the MasterCard Zero Liability policy and conditions visit www.mastercard.com.au/zero-liability.html

MasterCard and the MasterCard brandmark are registered trademarks of MasterCard International Incorporated. Tap & go is a trademark of MasterCard International Incorporated. BPAY® Registered to Bpay Pty Ltd
ABN 69 079 137 518.


^Receive free access to ME ATMs and our preferred ATM network of Westpac, St.George, BankSA and Bank of Melbourne ATMs. Open your ME Everyday Transaction Account from 31 July 2015 and receive a refund on fees incurred at all other ATMs in Australia within 30 days of the transaction. We may change or withdraw this offer at any time.


Terms, conditions, fees and charges apply. This is general information only and you should consider if these products are right for you